Thanks for the advice, guys. I'm definitely going to be sticking with the downtown address...I need to be a good citizen.

My insurance in CT was remarkably low...$750/yr for both cars. My lowest quote so far here was $2000, and that's my girlfriend going through her professional association. Most are in the $3500 range. Some places aren't recognizing my 10 years of clean driving. Lots of companies are completely baffled by cars older than 20 years. Also, the second vehicle seems to be nearly doubling the cost. In the US, adding a second vehicle was an extra $150/year. Also, the coverage here is way different. $1M mandatory liability is an order of magnitude more than I had.